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<p>[QUOTE=&quot;Herodotus, post: 7780819, member: 111387&quot;]Here is Heritage&#039;s Terms &amp; Conditions... </p><p><br /></p><p>I would recommend reading the T&amp;Cs for any auction house that one might ever deal with.</p><p><br /></p><p><a href="https://www.ha.com/c/ref/terms-and-conditions.zx?view=buyNow" target="_blank" class="externalLink ProxyLink" data-proxy-href="https://www.ha.com/c/ref/terms-and-conditions.zx?view=buyNow" rel="nofollow">https://www.ha.com/c/ref/terms-and-conditions.zx?view=buyNow</a></p><p><br /></p><p>Or click <a href="https://www.ha.com/c/ref/terms-and-conditions.zx?view=terms" target="_blank" class="externalLink ProxyLink" data-proxy-href="https://www.ha.com/c/ref/terms-and-conditions.zx?view=terms" rel="nofollow"><u>Auctions Terms &amp; Conditions</u></a> to go right to the PDF.</p><p><br /></p><p>Read Page 3.&nbsp; It will tell you what Heritage&#039;s policies are.</p><p><br /></p><p>As per your scenario... The auction house will give you your money back.&nbsp; NGC as a grading company only guarantees their grade/service.&nbsp; They will not give you any money if the coin is later deemed fake.</p><p><br /></p><p>Auction houses put their reputation at stake.&nbsp; NGC risks nothing with their reputation.</p><p><br /></p><p>You put your faith into the numismatists at NGC as if they have more expertise than those at auction houses.&nbsp; Why is that exactly?&nbsp; Certainly not to disparage those at NGC who are adequately skilled in the field, but they are not the absolute pinnacle of ancient numismatists.&nbsp; </p><p><br /></p><p>In some ways, you&#039;ve been duped by marketing.&nbsp; A belief that if something has been merely encapsulated and graded, it is therefore also authentic.&nbsp; Again.&nbsp; Actually take the time to read the T&amp;Cs(NGC&#039;s).</p><p><br /></p><p>A person can remove a coin out of a slab(unaltered), send it back into NGC and get a completely different grade depending on who looks at it.&nbsp; That shows one how consistent and subjective the process really is.</p><p><br /></p><p>Hey, I can&#039;t fault NGC for taking advantage of this niche.&nbsp; There is obviously a strong market for it, but it really is sort of ruse for those that believe that all collectibles need to be graded and encapsulated.[/QUOTE]</p><p><br /></p>

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